Customer ReviewsforLiberty Federal Credit Union

DO NOT GET A LOAN THROUGH THIS BANK. THEY WILL RIP YOU OFF. I've never written a BBB complaint before in my near 40 years of life, but feel like I have to. DO NOT get an auto loan through Liberty Federal Credit Union. They are unethical, they do not help, and will scam you at every possible turn they can. I made multiple large payments online (10X the monthly amount) to pay the loan off since they do not offer payoffs through the online portal and nobody answers the phone when you call them. After the payments were made, they updated my account to say my next payment was in June, 60 days after paid 2/3 of the loan in multiple chunks. During that time, they reached out with refinance offers since I was going to pay off the loan in 2 years. I told them my intent was to pay off the loan. When June would come around, I would only have two big chunk payments left then the loan was toast in July. When I went to make the June payment, they accrued interest every day they TOLD me NOT to make a payment. They added $2K back on the principal! The portal said nothing - only when the next payment was due. Their portal said no payment was due. They added ~20% of the remaining balance back on the loan for a loan with a low interest rate - and used their online portal reminders to make sure interest was accruing and I did not make a payment. Completely blindsided. When I talked to the woman at Liberty on the phone, she hung up on me. I was calm, I was stating how their policies and merchandising in the portal was misleading. And she just hung up. Banks exist to bank. It's theft. A Big bank won't do this to you - but this scam bank will. And has ZERO customer care. DO NOT get a loan through this bank. DO NOT.

Throughout my loan, 90% was going very well. Then as I came to payoff the loan, the online gave me a "payoff" amount and I paid that amount. I waited patiently for my Title and nothing was coming. Close to 4 weeks go by and I call to ask "where is my title", their response was you have a balance of less than $10.00 to pay off. I mentioned, "I paid the amount online that said payoff amount". Their response; "we do not allow the accounts to be paid off on line". That was total BS; I paid off another recent car loan and did not have this issue at another CU. They never informed of this or to even mention to call to payoff.

This Bank is crap they do not help you. Do not believe anything they say. they are ANTI-LGBTQIA they actively encourage deadnaming of clients refuse to allow you to change the name on your title even after receiving documentation that shows you had a court ordered name change and a marriage. they update the name on the loan just fine as they Really want that money but they want to try to cause harm by forcing people to out themselves in order to pay annual personal property tax as the name on the title has to match so you get to get assaulted thanks to Liberty Federal Credit unions actions. do not bank here go anywhere else

DO NOT ever ever do business with Liberty Federal Credit Union with a car loan!!! They have all kinds of unethical practices and no matter how you try to resolve a problem with them, you might as well be hitting your head against a wall, they just charge you for every little thing and will not work with you to resolve any issue, and when they say they will, then they go back on their word and refuse to honor what they said. It is no wonder they have such a low customer review rating. I would give them a minus 0. They are terrible. You would be better off to go with a loan shark!

I have banked at liberty for 15 years and they won't even give me a car loan for 5,000. Do not bank at this place. They are rude people and shouldn't even be a bank.

*Please think twice before banking with Liberty federal credit union* they have charged me ****$ just this year in “courtesy fees”. Due to inflation among other things I have been struggling to manage my finances this year. I’ve perpetually been over drafted in my accounts even though I make close to **** a year. I went in the branch in desperation hoping they could help me. I told Hannah the representative that I was drowning and feel like Liberty is furthering my debt charging me 100s of dollars In overdraft fees, holding my deposits for days after deposit, and forcing through automatic payments while delaying card charges which always results in my account going into the negatives. When I asked if there was anything they could do she said “at my managers discretion we MAY be able to refund ***$ of the **** we’ve charged you. ” a measly 5% of the charges. I was flabbergasted. I told her Friday I planned to close my account and her only response was “yeah that’s probably a good idea”. These people are ruthless and do not care about their customers or their wellbeing.

Laziest bank possible, don't want to do their jobs. A customer was going to buy a vehicle from me. Every other bank or dealer I have dealt with will have me write a check to them for the difference of the sale price and what is owed. Have me sign a form releasing the title to them. The send the full amount to the finace company, the finace company sends the new bank the title. Done and over with. Not this bank, they want to have me do all the work. They want to write me and the finace company a check for the sale price. Have me write a check to the finace company. Then wants me to go to the post office, mail both checks to the finace company. Then wait for the title to come, sign the title and then have to meet the buyer.

Bad user interface. Also They’ll harass you very soon if your payment is slightly late, and harass workplaces and family members without consent multiple times over Unprofessional